Recoveries Officer

FundIt Capital Solutions is a growing financial institution focused on responsible lending and accessible financing solutions for individuals and businesses.

About the Role

FundIt Capital Solutions is looking for a proactive and professional Recoveries Officer to join the team in Lusaka. This role reports to the Chief Operations Officer and is a full-time position. The successful candidate will manage overdue accounts, engage customers to secure timely repayment, negotiate sustainable payment arrangements, and support the reduction of portfolio arrears while upholding high standards of customer service, compliance and confidentiality.

Key Responsibilities

• Monitor assigned accounts and identify overdue obligations requiring follow-up.
• Contact customers through approved channels to determine reasons for non-payment and secure firm repayment commitments.
• Negotiate realistic payment plans in accordance with company policy and delegated authority.
• Follow up on payment promises and escalate missed commitments or high-risk accounts promptly.
• Maintain accurate, complete and timely records of calls, correspondence, payment arrangements and account status.
• Issue approved reminders, demand notices and other recovery correspondence.
• Investigate account discrepancies and liaise with internal teams to resolve queries affecting repayment.
• Recommend appropriate recovery actions, including restructuring, field visits, repossession or legal escalation, where applicable and authorised.
• Prepare regular reports on collections, arrears, ageing, promises to pay, recoveries performance and emerging risks.
• Meet agreed recovery targets and contribute to improved portfolio quality.
• Treat customers fairly and professionally while protecting the organisation's reputation.
• Comply with internal controls, applicable laws, data-protection requirements and ethical debt-recovery practices.

Qualifications and Experience

• A diploma or degree in Finance, Accounting, Banking, Business Administration, Economics, Credit Management or a related field.
• At least three years of relevant experience in recoveries, collections, credit control or debt management.
• Demonstrated experience managing delinquent accounts and negotiating payment arrangements.
• Experience in banking, microfinance, insurance, fintech, asset finance or another credit-based environment will be an advantage.
• Working knowledge of recovery processes, credit-risk principles and relevant regulatory requirements.

Required Skills and Competencies

• Excellent verbal and written communication skills.
• Strong negotiation, persuasion and conflict-resolution skills.
• High integrity, sound judgement and the ability to handle sensitive information confidentially.
• Strong analytical, organisational and problem-solving abilities.
• Ability to remain professional when handling difficult conversations and challenging cases.
• Target-driven, resilient and able to work independently with minimal supervision.
• Good attention to detail and disciplined record-keeping.
• Proficiency in Microsoft Office and familiarity with loan-management, collections or customer relationship systems.
• Knowledge of local languages commonly spoken in Lusaka will be an advantage.

Preferred Attributes

• High integrity and sound judgement.
• Ability to balance growth objectives with effective risk control.
• Strong organisational and problem-solving capabilities.
• Passion for innovation, efficiency and continuous improvement.

How to Apply

Applicants should apply through the Apply button on this page, submitting a CV and cover letter only, with "Recoveries Officer" as the subject line. The application deadline is 2 November 2026.